Independent Wealth Management
Call us on 01276 517700 or email advice@professional-wealthcare.co.uk
When make an investment (whether it be a lump sum, regular savings or a pension contribution), you have some important decisions to make and fund selection will be high on your decision list. If your investment is small, you may decide to use a single fund. However, for most, it is important to build a suitable portfolio of funds because:
If you have a pension or investment plan, you will often invest in a selection of different funds, often referred to as a ‘Portfolio’.
Whatever the size of your pension fund, it is very important that your investment is looked after. However, the harsh reality is that with larger funds, the level of care can usually be improved on.
If you are a saver or an investor, have you ever really considered the amount of risk you are taking with your money?
Today, 1st March 2011, the unimaginable has happened. The European Court of Justice has ruled that Insurers cannot charge different premiums to men and women. The effects of this ruling will be far reaching and will take effect from 21st December 2012.
It is important to ensure that pension arrangements are reviewed periodically. Changes in product design and legislation have had a dramatic effect on the options available for pension policyholders.
When I review financial plans for my clients, I generally have three clear objectives.
Saving money requires no explanation, but is obviously always well received.
Proponents of passive funds argue that that most fund managers underperform the index. Their seemingly logical conclusion is that a fund that simply tracks the index is a good way to invest and offers equity returns at low cost.
How Much Tax Free Cash can you take from your pension?
The usual answer to this question is 25%. However, how would you like two bites of the cherry?
If you are age 55 or over, you can withdraw up to 25% of your pension fund tax free. However, it is important to carefully consider how best to achieve this. Traditionally, a pension fund remains until the planholder decides to retire. At that time, he or she would purchase an annuity and probably withdraw […]
Barry has been providing me with excellent financial advice since 2003. He has simplified and consolidated a number of pensions that I had started with various organisations through different employers over the years to one pension – making it much easier for me to have a clear view of my investments and know where I stand. I receive regular, easy to understand updates, with Barry providing the added value of explaining what it all means and offering advice on actions to take. Barry ensures that he keeps current with my financial and personal circumstances and is able to adapt and make excellent, informed recommendations quickly and clearly. I would highly recommend Barry and Professional Wealthcare for your financial management solutions. He is now responsible not only for the planning of my financial security, but also for that of my children.
Jill Wells
